Your well designed life insurance policy offers tremendous flexibility to meet your changing needs.
Our approach is designed to deliver. We expect you to earn a high rate of return using one of the World’s safest assets.
Your Flexmethod® plan is centered on a Tier 1 asset. This is a banking term for the highest quality asset class and considered a cash equivalent.
Lightpath Wealth Management, LLC. (“Lightpath”) is a Registered Investment Advisor (“RIA”), registered with the State of Kentucky. Lightpath provides asset management and related financial services for clients throughout the nation. Lightpath will register and maintain all applicable licenses, as required by the states in which Lightpath conducts business, as applicable. Lightpath provides individualized responses to persons in a particular state only after complying with all regulatory requirements, including any applicable state exemption or exclusion.
* By contacting us, you may speak with a licensed insurance agent and be provided information about insurance.
Financial solutions from dedicated professionals designed to be flexible enough to meet your unique needs.
The Stafford Corporation (“Stafford”) is a licensed insurance producer in Idaho and offers the Flexmethod® and insurance products and services through its licensed insurance brokers. The Flexmethod® may involve an asset-based lending strategy as one of its components that seeks to generate cash flow by borrowing using the value of an eligible life insurance policy as collateral. It may also involve coordination with your investment advisor, legal and tax professionals, but Stafford does not offer investment advisory services, securities, legal, or tax advice. Certain eligibility restrictions may apply. In connection with the Flexmethod® strategy, Stafford often recommends the services of other financial, tax, and legal professionals. One of those recommendations may be to Desert Rose Capital Management, Inc., an SEC registered investment adviser that provides investment management services and is an affiliate of Stafford. The compensation earned by this entity in connection with the Flexmethod® presents a conflict of interest because Desert Rose Capital Management, Inc. is an affiliate of Stafford. The statements contained herein are aspirational in nature and for illustrative purposes only. The suitability of the Flexmethod® and its results will depend on the facts and circumstances of the individual policyholder.
There are risks associated with the Flexmethod® that you should consider and discuss with your Stafford representative and other financial professionals, including, but not limited to, market risk, interest rate risk, and additional loan renewal requirements. Any guarantees and benefits of an insurance policy are subject to the claims-paying ability and financial strength of the issuing insurance company. It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage. Distributions taken through loans and withdrawals will reduce a policy’s cash surrender value and death benefit and may affect policy coverage and performance. In addition, if the policyholder fails to repay any insurance-backed loan pursuant to its terms, the loan could default, the insurance contract could lapse, and the value of the policy could be forfeited. The Flexmethod® seeks to provide access to potentially tax-free withdrawals because loans are generally not considered income; however, you should consult with your tax advisor regarding the specific tax implications of any strategy. Tax implications are possible if a life insurance policy is sold or surrendered. Not all Flexmethod® solutions are available in all states or jurisdictions. Please consult with your Flexmethod® professional and insurance agent for specific information related to your needs.
